Lowe%27s business credit - Fees. The Home Depot card and Lowe’s card both have no annual fee, but different interest rates. The Home Depot card provides a 17.99% to 26.99% variable APR, while the Lowe’s card has a 26.99 ...

 
Customer must pay applicable sales tax. Excludes Lowe’s Business Credit accounts, Lowe’s Visa ® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter these terms at any time. **Subject to credit approval. Reduced APR offer is automatic for purchases made with your Lowe’s Business Advantage account. . 5 year treasury yield

Your business will start earning Lowe’s E-Gift Cards on eligible purchases once annual qualifying spend reaches $2,500. 1 ; Access to Exclusive Offers. Paint Rewards 3 ; Earn Lowe’s E-Gift Cards on eligible paint purchases once annual qualifying spend reaches $1,000. 3 ; Business Tools: purchase tracking and account managementLowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. Customer must pay applicable sales tax. Excludes Lowe’s Business Credit accounts, Lowe’s Visa ® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter these terms at any time. **Subject to credit approval. Reduced APR offer is automatic for purchases made with your Lowe’s Business Advantage account.Welcome to Lowe’s Business Credit Center Manage your Lowe’s Commercial and Lowe’s Business Advantage account online from any device anytime, anywhere. Easily and securely access your invoices, statements, pay your bill and more. New account? Set up online access to pay your bill and manage your account online. User ID Recover your User IDYour business will start earning Lowe’s E-Gift Cards on eligible purchases once annual qualifying spend reaches $2,500. 1 ; Access to Exclusive Offers. Paint Rewards 3 ; Earn Lowe’s E-Gift Cards on eligible paint purchases once annual qualifying spend reaches $1,000. 3 ; Business Tools: purchase tracking and account management• Rates and fees *Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. Apply Now Pay & Manage Account Lowe’s Commercial Account • Save 5% instantly in store and on Lowes.com with eligible purchases.Before we get to your credit application, let's see if you have a Lowes.com account. If not, we'll help you create one to access MVPs Pro Rewards.Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397.Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. credit.lowes.comLowe’s® Business Account (LBA) Credit Application APPLICANT: Please read the following before completing this form. (1) Applicant represents that the information given in this Application is complete and accurate and authorizes us to check with credit reporting agencies, credit references and other sources we deem appropriate in investigating it. Excludes Lowe’s Business Credit accounts, Lowe’s Visa ® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter the terms of this offer at any time. **Limited Time for Appliances: No interest if paid in full within 12 months. Jul 13, 2023 · In the majority of the cases, it's because of: A low credit score. Not enough income. Too much existing debt. A recent delinquency on your credit report. If you think the issuer's decision of denying you is unreasonable, try asking for a reconsideration. Call (412) 381-5500 to talk to a representative and make your case. Apr 15, 2021 · Thumbs up this video and SUBSCRIBE, it helps me learn who enjoyed this video to create more content for you all! 💙 💙 💙 💙 💙In this video, I will discu... Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. Consider choosing Lowe's Accounts Receivable. This non-revolving account works best for medium to large businesses with large staffs, multiple locations, and job or invoice accounting needs. OFFt EVERY DAY All Lowe's Business Credit Accounts Get 50/0 off Every DayOur local stores do not honor online pricing. Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Lowe's reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted.We would like to show you a description here but the site won’t allow us. Card Members can now apply their Lowe’s Rewards to purchases on their statement, while earning rewards on purchases at Lowe’s, restaurants and office supply stores in the U.S., and more. NEW YORK, August 31, 2021 - Today, American Express and Lowe’s introduced a new cash back reward option for small and mid-size business Card Members to help fuel their business, add to their cash flow ...To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ...Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. John Miller, Credit Cards Moderator. You can buy a gift card with your Lowe's Business Credit Card the same way you would with any other credit card; simply use your card to purchase your desired gift card. You can use the Lowe's Business Credit Card to purchase gift cards at every merchant that accepts cards on the American Express network.Get 5% off your eligible purchase or order charged to your Lowe’s Business Advantage, Lowe’s Business Rewards, Lowe’s Commercial Account or Lowe’s Pro Supply Purchase Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Offer not valid on any Lowe’s Pro Supply sale. When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.John Miller, Credit Cards Moderator. You can buy a gift card with your Lowe's Business Credit Card the same way you would with any other credit card; simply use your card to purchase your desired gift card. You can use the Lowe's Business Credit Card to purchase gift cards at every merchant that accepts cards on the American Express network.New Users. Register below to pay your bill and manage your Lowe's credit account online by selecting one of the following cards: Lowe's Advantage Card. Lowe's Visa Rewards. Lowe's Business Advantage. Lowe's Commercial Account. Lowe's Business Rewards. Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397.To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ...You can review the full “Agreement” by visiting Lowescredit.com; simply go to the Lowe’s® Business Credit Accounts section and click on ‘Learn More’, then go to the Lowe’s Accounts Receivable section and click on “Apply Now”. The “Agreement” is governed by federal and North Carolina Law.Subject to credit approval. To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: One-time 20% off discount is not automatic ...Lowe's offers a Consumer Credit Card and Project Card to finance all of your home improvement needs. Learn about special offers and apply at Lowes.comExcludes Lowe’s Advantage Card, Lowe’s Visa ® Accounts, Lowe’s Business Rewards Card from American Express and all Lowe’s Canada Credit products. *,**Offers valid in US stores and on Lowes.com. Discounts applicable to commercial purchases only. Offers/discounts provided by Lowe’s and not Synchrony Bank. Subject to credit approval.Your business will start earning Lowe’s E-Gift Cards on eligible purchases once annual qualifying spend reaches $2,500. 1 ; Access to Exclusive Offers. Paint Rewards 3 ; Earn Lowe’s E-Gift Cards on eligible paint purchases once annual qualifying spend reaches $1,000. 3 ; Business Tools: purchase tracking and account managementLowe’s Business Rewards Card. • Use at Lowe’s and everywhere American Express cards are accepted. • Earn cash back for every eligible purchase made on the card. 4. • Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% cash back after. New accounts only. 5 Earn $100 cash back upon approval as statement credit.*.1. 5% discount at check-out. When you make most purchases with your Lowe's credit card, you’ll get an automatic 5% discount at the register. This is one of the best perks of this card. Unlike many other store credit cards, which only send you periodic coupons or provide rewards after spending, Lowe's gives this discount upfront.When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account. Offer applies to in-store product purchase or order of $999 or more with an installation service made on your Lowe’s Advantage Card. Offer valid 4/25/22 through 5/3/22. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Minimum monthly payments required. The Lowe’s Advantage card is a credit card that allows you to start and complete your project with 5% off everyday savings or Special Financing. Apply now for the Lowe’s Advantage card to get your project started. LOWE'S Business Account Approved!*UPDATE*. Instant approval online! Asked for $10k, they instant countered approved for $1k. I will call into credit when I get the card, and see about a cli. Also, this account is both a revloving/PIF, you have the option for both. In the application it asked which terms I wanted for the "net" 30 or 60, I choose 60.To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ... Login - American ExpressRe: Just Applied for Lowe's Net 30 without PG!!!! @CreditUnionFan wrote: Darnit, I was too thorough; I shred the cardboard backer, and now can't sign in until I receive a statement. I saw "3500" on the mailer, so I assume it's a $3500 limit to start. It's not a lot, but I didn't PG it, so I won't argue.For a Limited Time, new account get 20% off their purcahse that day when they open a Lowe’s Credit Card. Lowe’s Business Credit Cards (Contractors or Business Registration) For people like contractors or businesses that revolve around buying goods from home improvement stores such as Lower’s, there is a special Lowe’s Business Credit Card.When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ...Step-by-Step Enrollment in eBill. Step 1. Sign in to your Lowe’s Advantage Credit Account. Step 2. Click on Activity in the navigation bar. Step 3. Choose Statements. Step 4. Follow the easy enrollment instructions.Excludes Lowe’s Business Credit accounts, Lowe’s Visa ® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter the terms of this offer at any time. **Limited Time for Appliances: No interest if paid in full within 12 months. Get 5% off your eligible purchase or order charged to your Lowe’s Business Advantage, Lowe’s Business Rewards, Lowe’s Commercial Account or Lowe’s Pro Supply Purchase Card. Valid for purchases in US stores and on Lowes.com. 5% discount will be applied after all other applicable discounts. Offer not valid on any Lowe’s Pro Supply sale. May 14, 2022 · Re: Lowe's Business Credit- $5,000 Approved with No PG!! I had to verify my business phone and they didn't require a PG- it was quick and seamless. PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / SavorOne- $500 / PenFed Gold Visa- $5,000 / PayPal MC- $10,000 / PayPal Credit- $1,700 / FNBO MGM Rewards World MC- $1,000 / NFCU Visa Signature ... Welcome to Lowe’s Business Credit Center Manage your Lowe’s Commercial and Lowe’s Business Advantage account online from any device anytime, anywhere. Easily and securely access your invoices, statements, pay your bill and more. New account? Set up online access to pay your bill and manage your account online. User ID Recover your User ID credit.lowes.comWhen it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Fees. The Home Depot card and Lowe’s card both have no annual fee, but different interest rates. The Home Depot card provides a 17.99% to 26.99% variable APR, while the Lowe’s card has a 26.99 ...We would like to show you a description here but the site won’t allow us. Re: Lowe's Business Credit- $5,000 Approved with No PG!! I had to verify my business phone and they didn't require a PG- it was quick and seamless. PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / SavorOne- $500 / PenFed Gold Visa- $5,000 / PayPal MC- $10,000 / PayPal Credit- $1,700 / FNBO MGM Rewards World MC- $1,000 / NFCU Visa Signature ...Lowe’s Business Credit Center. Manage your Lowe’s Commercial and Lowe’s Business Advantage account online from any device anytime, anywhere. Easily and securely access your invoices, statements, pay your bill and more. New account? Set up online access. to pay your bill and manage your account online. User ID. Recover your User ID. Fees. The Home Depot card and Lowe’s card both have no annual fee, but different interest rates. The Home Depot card provides a 17.99% to 26.99% variable APR, while the Lowe’s card has a 26.99 ...Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. 5% Off Every Day at Lowe's. 5% Off Every Day at Lowe's on eligible Lowe's Purchases.‡. American Express can be accepted at 99% of places in the US that accept credit cards.1. 1 Based on the Feb 2023 Nilson Report. We would like to show you a description here but the site won’t allow us. Sandra Llloyd, Member. The starting credit limit for the Lowe's Business Credit Card is $2,000. But the better your credit score and creditworthiness, the higher your credit limit will be. The good thing about the Lowe's Business Credit Card is that you can set individual credit limits for each authorized user/employee you have on the account.Lowe's Commercial Account. Lowe's Business Rewards. Having trouble logging into your account? Simply call the appropriate number below for assistance. Consumer Credit Cards 1-888-840-7651. Business Account 1-888-840-7651. Accounts Receivable 1-866-232-7443. Business Rewards 1-866-537-1397. In the majority of the cases, it's because of: A low credit score. Not enough income. Too much existing debt. A recent delinquency on your credit report. If you think the issuer's decision of denying you is unreasonable, try asking for a reconsideration. Call (412) 381-5500 to talk to a representative and make your case.Excludes Lowe’s Advantage Card, Lowe’s Visa ® Accounts, Lowe’s Business Rewards Card from American Express and all Lowe’s Canada Credit products. *,**Offers valid in US stores and on Lowes.com. Discounts applicable to commercial purchases only. Offers/discounts provided by Lowe’s and not Synchrony Bank. Subject to credit approval.Thumbs up this video and SUBSCRIBE, it helps me learn who enjoyed this video to create more content for you all! 💙 💙 💙 💙 💙In this video, I will discu...To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ...The Lowe’s Advantage card is a credit card that allows you to start and complete your project with 5% off everyday savings or Special Financing. Apply now for the Lowe’s Advantage card to get your project started. Business Services Home View All Cards Lowe's Business Rewards Card How You Earn 5% CASH BACK In the First 6 Months On eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only.‡ 2% CASH BACK At Lowe's to reward yourself for shopping at Lowe's stores or online at Lowes.com or LowesforPros.com‡ 2% CASH BACK On Business CategoriesLowe's has a special Credit Center, where customers can find various financing options, including installment loans, low-interest loans and low-interest credit cards.Lowe's business account is a Lowe's coupon that you can use at Lowe's. You can also use your coupon to get Lowe's discounts on any other products that you buy at Lowe's.Lowe’s Business AccountWhen it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.Your business will start earning Lowe’s E-Gift Cards on eligible purchases once annual qualifying spend reaches $2,500. 1 ; Access to Exclusive Offers. Paint Rewards 3 ; Earn Lowe’s E-Gift Cards on eligible paint purchases once annual qualifying spend reaches $1,000. 3 ; Business Tools: purchase tracking and account management Offer applies to in-store product purchase or order of $999 or more with an installation service made on your Lowe’s Advantage Card. Offer valid 4/25/22 through 5/3/22. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Minimum monthly payments required.Shop Lowes.com and fill your cart. 2) At Checkout, select “Buy Now. Pay Later with Lowe’s Pay.”. 3) If approved, select the payment schedule that works for you, then confirm your loan. 4) Make easy monthly payments. We’ll send you a monthly statement and email reminders. When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.Excludes Lowe’s Business Credit accounts, Lowe’s Visa ® accounts and all Lowe’s Canada Credit accounts. We reserve the right to discontinue or alter the terms of this offer at any time. **Limited Time for Appliances: No interest if paid in full within 12 months. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards. APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening. Terms Apply. For the rates and fees of the Lowe's ...COMMERCIAL CREDIT APPLICATION. Apply for commercial credit (charge account) today and buy on credit at both Lowe’s and RONA store locations*! * In participating stores. A minimum of $5,000 in yearly purchases is required. APPLY NOW.

For New Accounts: Purchase APR is 19.99% in GA and NC; 24.99% in all other states. Existing cardholders: See your credit card agreement terms. Excludes Lowe’s Business Rewards Credit Card from American Express, Lowe’s Commercial Account, all Lowe’s Canada Credit products and the Lowe’s PreLoad Plus Mastercard ®. We reserve the right to .... O t lounge

lowe%27s business credit

To qualify for this offer, you must apply, be approved and use a new Lowe’s Advantage Card to make a purchase 6/8/23 through 1/31/24. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to ...The Lowe’s Pro Supply Purchase Card‡ links to your Lowe’s Pro Supply Terms account for added shopping flexibility. Shop your way at 1,700+ Lowe’s stores or online at Lowes.com. 5%¹ everyday savings on. qualifying purchases at. Lowe’s stores or Lowes.com. Expanded inventory. including 40,000+ items. in Lowe’s stores and.Lowe’s Business Rewards Card benefits and perks. Welcome bonus: Earn $100 cash back (in the form of a statement credit) upon card approval, plus 5% back on eligible Lowe's purchases during your first 6 months. Your welcome bonus will be in the form of a statement credit, with no minimum spending threshold required.Lowe's Advantage Card: Basics. Card type: Store. Annual fee: $0. New cardholder offer: When you're approved, you'll receive a coupon good for 20% off your first purchase (maximum savings: $100 ...You can review the full “Agreement” by visiting Lowescredit.com; simply go to the Lowe’s® Business Credit Accounts section and click on ‘Learn More’, then go to the Lowe’s Accounts Receivable section and click on “Apply Now”. The “Agreement” is governed by federal and North Carolina Law.You will also have access to powerful management tools to help you run your organization efficiently and effectively, whether you’re a company of 1 or 1,000. Your business account will also receive additional benefits with Lowe’s credit promotions, and LAR cardholders will receive free haul-away services as well as reduced delivery fees. When it comes to your business, choose between the Lowe’s Business Advantage Card, the Lowe’s Commercial Account Card and the Lowe’s Business Rewards Card from American Express. Lowe’s also offers a PreLoad Card that allows you to use flexible funding from a checking, credit, debit or bank account.Lowe’s® Business Account (LBA) Credit Application APPLICANT: Please read the following before completing this form. (1) Applicant represents that the information given in this Application is complete and accurate and authorizes us to check with credit reporting agencies, credit references and other sources we deem appropriate in investigating it. By providing your e-mail address to Lowe’s, Synchrony Bank. and their affiliates, you consent to receive e-mail communications about your Lowe’s business credit account, special offers and updates. No. of Employees _____ Year Business Started _____ Annual Revenue $_____ Lowe’s ® Jul 12, 2023 · Lowe's Business Credit Card Review. 5.0 / 5. The Lowe's Business Credit Card is ideal for small business owners who regularly shop at Lowe’s, have a big Lowe’s purchase coming up, and perhaps even spend a fair amount at restaurants and office supply stores. The card’s most appealing features are its $0 annual fee and the 5% discount it ... Lowe’s & Go. Buy online or through our mobile app and pick up at your local Lowe’s. Save time and money with free shipping on orders of $45 or more. Find what you’re looking for with the Lowe’s mobile app. For iOS and Android. Same-day delivery is now available for eligible in-stock items when you order by 2 p.m.*. Lowe’s Business Rewards Card. • Use at Lowe’s and everywhere American Express cards are accepted. • Earn cash back for every eligible purchase made on the card. 4. • Earn 5% cash back on purchases at Lowe’s for the first 6 months. 2% cash back after. New accounts only. 5 Earn $100 cash back upon approval as statement credit.*. The Lowe’s® Advantage Card * merits inspection if you’re about to start a home improvement project and plan to use Lowe’s for tools, materials or other purchases. This store credit card ....

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